Northrim BanCorp Inc Financial Ratios — NRI Stock

Profitability (USD)

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	9.9	8.79	11.29	10.42	7.93	6.93	- -	- -	10.02	15.34	16.33	13.47	11.2	14.73	21.77
Return on Assets (%)	1.15	1.04	1.31	1.21	0.95	0.86	- -	- -	1.31	1.75	1.55	1.14	0.93	1.26	2.04
Return on Capital (%)	8.07	7.44	8.95	8.46	6.79	6.11	- -	- -	8.92	13.17	14.09	11.68	9.75	12.84	17.89
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	36.11	33.98	38.05	26.71	21.12	25.4	- -	25.78	25.67	31.68	36.06	29.8	24.38	30.27	39.72
Profit Margin (%)	23.83	22.44	25.44	17.52	14.47	14.03	- -	21.42	20.33	24.54	28.19	23.79	19.59	23.82	30.36
Net Income to Common Margin (%)	23.83	22.44	25.44	17.52	14.47	14.03	- -	21.42	20.33	24.54	28.19	23.79	19.59	23.82	30.36
Effective Tax Rate (%)	31.39	33.48	31.39	32.39	28.76	43.37	- -	16.91	20.8	22.52	21.83	20.14	19.66	21.33	23.56
Dvd Payout Ratio (%)	26.31	33.72	25.92	27.1	34.5	43.21	- -	35.31	41.14	26.89	25.02	34.39	53.59	37.19	22.52
Sustainable Growth Rate (%)	7.29	5.83	8.36	7.6	5.19	3.94	- -	- -	5.9	11.22	12.25	8.84	5.2	9.25	16.87

Credit (USD)

Credit Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	23	25	45	21	23	18	- -	18	33	38	36	34	33	41	88
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	23	25	45	21	23	18	- -	18	33	38	36	34	33	41	87
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.75	11.86	11.34	11.81	12.22	12.7	- -	13.7	12.6	10.44	8.73	8.18	8.36	8.78	9.92
Long-Term Debt/Equity (%)	16.9	17.38	27.28	11.67	12.26	9.17	- -	8.52	16.14	16.93	15.05	15.67	14.09	15.29	26.71
Long-Term Debt/Capital (%)	14.45	14.81	21.43	10.45	10.92	8.4	- -	7.85	13.9	14.48	13.08	13.55	12.35	13.26	21.06
Long-Term Debt/Total Assets (%)	1.99	2.06	3.1	1.38	1.5	1.16	- -	1.17	2.03	1.77	1.31	1.28	1.18	1.34	2.65
Total Debt/Equity (%)	16.9	17.38	27.28	11.67	12.26	9.17	- -	8.52	16.14	16.93	15.05	15.67	14.09	15.29	26.85
Total Debt/Capital (%)	14.45	14.81	21.43	10.45	10.92	8.4	- -	7.85	13.9	14.48	13.08	13.55	12.35	13.26	21.17
Total Debt/Total Assets (%)	1.99	2.06	3.1	1.38	1.5	1.16	- -	1.17	2.03	1.77	1.31	1.28	1.18	1.34	2.66
Net Debt to Equity	-96.64	-51.28	-16.54	-21.44	-14.81	-31.21	- -	-29.13	-36.8	-41	-261.13	-107.46	-40.28	-11	-19.65
Net Debt/Capital (%)	-2,879.09	-105.25	-19.81	-27.29	-17.39	-45.37	- -	-41.1	-52.52	-63.47	166.84	3,641.99	-63.34	-11.98	-23.92
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.75	11.86	11.34	11.81	12.22	12.7	- -	13.7	12.6	10.44	8.73	8.18	8.36	8.78	9.92
Long-Term Debt/Equity (%)	16.9	17.38	27.28	11.67	12.26	9.17	- -	8.52	16.14	16.93	15.05	15.67	14.09	15.29	26.71
Long-Term Debt/Capital (%)	14.45	14.81	21.43	10.45	10.92	8.4	- -	7.85	13.9	14.48	13.08	13.55	12.35	13.26	21.06
Long-Term Debt/Total Assets (%)	1.99	2.06	3.1	1.38	1.5	1.16	- -	1.17	2.03	1.77	1.31	1.28	1.18	1.34	2.65
Total Debt/Equity (%)	16.9	17.38	27.28	11.67	12.26	9.17	- -	8.52	16.14	16.93	15.05	15.67	14.09	15.29	26.85
Total Debt/Capital (%)	14.45	14.81	21.43	10.45	10.92	8.4	- -	7.85	13.9	14.48	13.08	13.55	12.35	13.26	21.17
Total Debt/Total Assets (%)	1.99	2.06	3.1	1.38	1.5	1.16	- -	1.17	2.03	1.77	1.31	1.28	1.18	1.34	2.66
CFO/Total Liabilities	3.18	1.74	1.59	0.8	1.5	1.45	- -	1.94	-0.06	-1.92	4.5	3.18	1.51	-0.31	4.7
CFO/CapEx	20.48	8.44	3	1.49	6.11	2.67	- -	6.24	-0.27	-11.17	44.65	20.29	6.14	-14.08	25.48
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	19.7	20.54	22.43	29.03	27.09	23.08	- -	- -	21.82	21.45	17.95	15.4	11.84	13.23	17.7
Days Sales Outstanding	18.53	17.77	16.27	12.57	13.47	15.81	- -	- -	16.73	17.01	20.33	23.71	30.82	27.58	20.62
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	414	587
- Cash & Cash Equivalents	155	99	72	59	51	78	- -	78	95	116	646	259	119	63	146
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	23	25	45	21	23	18	- -	18	33	38	36	34	33	41	88
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-87	331
Total Capital	159	169	209	198	210	210	- -	223	241	259	274	253	268	308	414
Total Debt/Capital (%)	14.45	14.81	21.43	10.45	10.92	8.4	- -	7.85	13.9	14.48	13.08	13.55	12.35	13.26	21.17
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-0.47	0.26
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.37
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.47
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	419	597
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-82	341
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.96
TTM Sales	54	55	68	102	100	94	- -	93	102	134	133	129	130	155	213
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	33	19	20	11	20	19	- -	25	-1	-36	112	78	39	-9	139
TTM Free Cash Flow to Firm	31	16	14	3	17	12	- -	21	-4	-40	109	74	32	-9	134

Multiples (USD)

Valuation Multiples API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-44.78	4.46
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-87	331
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.91	5.43
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.16	9.08
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.55	7.26
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	12.81	9.4
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.5	1.86
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55	1.8
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.33	1.44
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.78	1.86
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.9	0.37
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	2.39
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.9	1.91
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.54	2.48
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.29	0.49
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.66	2.76
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.27	2.2
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.05	2.85
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.55	0.56
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-47.26	4.21
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-40.45	3.36
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-54.28	4.36
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-27.52	0.86
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-38.32	3.56
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-51.43	4.62
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-26.08	0.91
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.65
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.74	26.55
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	21.52	27.49
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-147	213
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-25	352
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	-260	-136

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	09/30/2018	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	26	26	27	28	28	27	7	28	26	25	24	23	22	22	22
Diluted Weighted Avg Shares	26	26	27	28	28	28	7	28	27	26	25	23	23	22	22
Basic Weighted Avg Shares	26	26	27	27	28	28	7	28	27	25	25	23	22	22	22
Revenue per Share	2.1	2.11	2.53	3.7	3.62	3.4	- -	3.39	3.79	5.27	5.38	5.6	5.79	7.05	9.63
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.5	0.47	0.64	0.65	0.52	0.48	- -	0.73	0.77	1.29	1.52	1.33	1.13	1.68	2.92
Basic EPS from Cont Ops	0.52	0.48	0.66	0.67	0.54	0.49	- -	0.73	0.77	1.29	1.52	1.33	1.13	1.68	2.92
Diluted EPS, GAAP	0.49	0.47	0.64	0.64	0.52	0.47	- -	0.72	0.76	1.28	1.5	1.32	1.12	1.66	2.87
Diluted EPS from Cont Ops	0.51	0.47	0.65	0.66	0.54	0.48	- -	0.72	0.76	1.28	1.5	1.32	1.12	1.66	2.87
Dividend per Share	0.14	0.16	0.18	0.19	0.2	0.22	- -	0.26	0.32	0.35	0.38	0.46	0.61	0.62	0.66
Cash Flow per Share	1.26	0.72	0.76	0.39	0.73	0.7	- -	0.91	-0.03	-1.43	4.53	3.39	1.73	-0.4	6.31
Free Cash Flow per Basic Share	1.19	0.63	0.5	0.13	0.61	0.44	- -	0.77	-0.14	-1.56	4.43	3.22	1.45	-0.42	6.06
Cash & Equivalents per Share	13.77	13.3	12.9	12.72	13.84	14	- -	12.68	14.16	14.54	44.58	41.06	34.3	24.53	15.55
Book Value per Share	5.23	5.51	5.99	6.44	6.76	7.01	- -	7.48	7.89	8.86	9.88	9.59	10.64	12.1	14.77
Tangible Book Value per Share	4.92	5.21	5.08	5.51	6.02	5.97	- -	6.29	6.61	7.56	8.49	7.9	8.9	8.46	11.1